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My husband business failed. It left him with a lot debts and not much in retirement, but it's all okay now. I will make at least 50k a year once I return to work. We don't really plan to save for our kids college education because we went without it. Instead of saving for their college...

I'm new to this website so please be kind. I'm 32 and my husband is 51. We have two young children. I'm a CPA but now a stay at home mom. I will go back to work when our twins turn 2(they are 4 months now). My husband currently bring home $4500 a month after taxes and 401k. Our expenses are...